Cheapest Car Insurance In Lawton, OK 2025
The most affordable minimum coverage policy in Lawton comes from State Farm, with an average monthly rate of $30.
We’ve saved shoppers an average of $600 per year on their car insurance.
In Lawton, OK, the cost of car insurance can range significantly depending on the provider.
State Farm is a top pick for drivers who want cheap liability coverage. For full protection, USAA has the edge, and Safeco is known for offering lower prices to young drivers.
Cheapest Car Insurance Companies In Lawton, OK 2025
Cheapest Liability-only Car Insurance In Lawton: State Farm
At $30 a month, State Farm offers the lowest-cost minimum coverage policy available in Lawton.
Want to see who has the best deal? Check the table below to compare rates.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $30 | $360 |
| Allstate | $39 | $468 |
| Farmers | $59 | $708 |
| GEICO | $55 | $660 |
| Progressive | $70 | $840 |
Cheapest Full Coverage Insurance Rates In Lawton: USAA
Full coverage car insurance from USAA costs about $75 each month in Lawton, making it the most affordable option.
Take a look at the average quotes from affordable insurers in Lawton, as shown in the table below.
| Provider | Average Monthly Cost | Average Annual Cost |
| USAA | $75 | $900 |
| Farmers | $127 | $1,524 |
| Allstate | $84 | $1,008 |
| GEICO | $119 | $1,428 |
| Mercury | $135 | $1,620 |
Cheapest Car Insurance Rates For Seniors: USAA
USAA’s average rate for seniors in Lawton is $80 a month, making it the most affordable choice.
The chart below displays the average premiums from the most cost-effective insurers for seniors.
| Provider | Average Monthly Cost | Average Annual Cost |
| USAA | $80 | $960 |
| Oklahoma Farmers Union | $107 | $1,284 |
| SafeAuto | $90 | $1,080 |
| State Farm | $83 | $996 |
| Clearcover | $86 | $1,032 |
Cheapest Rates In Lawton For Teenagers: Clearcover
Teenage drivers in Lawton pay the least with Clearcover, where the average monthly rate is $62.
The table below breaks down the lowest insurance premiums available for teen drivers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Clearcover | $62 | $744 |
| Oklahoma Farmers Union | $171 | $2,052 |
| Allstate | $282 | $3,384 |
| USAA | $161 | $1,932 |
| State Farm | $143 | $1,716 |
Cheapest Auto Insurance For Young Adults in Lawton: Safeco
The most affordable car insurance for young adults in Lawton is available through Safeco, costing about $64 per month.
Take a look at the table below to compare the best deals on auto insurance for young adults in Lawton.
| Provider | Average Monthly Cost | Average Annual Cost |
| Safeco | $64 | $768 |
| SafeAuto | $131 | $1,572 |
| Clearcover | $94 | $1,128 |
| State Farm | $140 | $1,680 |
| USAA | $120 | $1,440 |
Cheapest Car Insurance In Lawton For Good Drivers: State Farm
State Farm offers the most budget-friendly car insurance for good drivers in Lawton, costing around $30 monthly.
Use the table below to compare average car insurance rates from the most affordable insurers if you’re a good driver.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $30 | $360 |
| Allstate | $39 | $468 |
| Farmers | $59 | $708 |
| GEICO | $55 | $660 |
| Progressive | $70 | $840 |
Cheapest Car Insurance In Lawton After A Speeding Ticket: State Farm
State Farm provides great rates for drivers with a speeding ticket in Lawton, averaging just $37 per month.
The table below outlines average rates for drivers with a speeding ticket.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $37 | $444 |
| Allstate | $51 | $612 |
| Farmers | $77 | $924 |
| Progressive | $94 | $1,128 |
| Clearcover | $110 | $1,320 |
Cheapest For Drivers With After At-Fault Accident: State Farm
State Farm leads the way for affordable car insurance for drivers with an at-fault incident, with rates averaging $39 per month.
The car insurance companies listed below offer the most affordable rates for drivers with an at-fault record.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $39 | $468 |
| Mercury | $85 | $1,020 |
| USAA | $47 | $564 |
| Progressive | $100 | $1,200 |
| Allstate | $53 | $636 |
Cheapest Car Insurance In Lawton For Drivers After A DUI: State Farm
State Farm leads the way for affordable car insurance after a DUI in Lawton, with rates around $48 a month.
Use the table below to compare the most affordable car insurance quotes for drivers with a DUI in Lawton.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $48 | $576 |
| Mercury | $90 | $1,080 |
| Allstate | $62 | $744 |
| Safeco | $129 | $1,548 |
| Progressive | $115 | $1,380 |
Best Car Insurance Companies In Lawton
State Farm offers the most affordable coverage for Lawton drivers at $30 a month. If you’re looking for alternatives, Allstate and GEICO offer rates of $39 and $55, respectively.
Shown below are the 10 leading car insurance companies in Lawton, OK, ranked by their average monthly premiums.
| Company | Monthly Premium |
| State Farm | $30 |
| Allstate | $39 |
| Farmers | $59 |
| GEICO | $55 |
| Progressive | $70 |
| Safeco | $80 |
| Mercury | $58 |
| National General | $74 |
| Clearcover | $82 |
| Direct Auto | $85 |
Average Rates In Lawton – By Age
One major factor in calculating car insurance rates is age. Younger drivers, particularly teenagers, are considered higher risk, which leads to higher premiums. Teenagers generally pay about $2,459 per year for coverage.
After 25, drivers usually enjoy lower car insurance rates, assuming their driving record is free of accidents or tickets.
Drivers in their 50s and early 60s typically qualify for the best insurance rates. Age is an important factor for insurers in evaluating risk and driving experience, which affects premium costs.
| Age | Average Yearly Rate |
| Teenagers | $2,459 |
| 20s | $1,995 |
| 30s | $1,441 |
| 40s | $1,416 |
| 50s | $1,225 |
| 60s | $1,397 |
| 70s | $1,480 |
Average Rates In Lawton – By Vehicle
Car insurance costs are significantly influenced by the type of vehicle you drive. Insurers consider your car’s make, model, year, and body type. Newer cars, especially high-end models with advanced features, often carry higher insurance rates due to higher repair and replacement costs.
The table below breaks down the average insurance rates in Lawton for various vehicles.
| Vehicle | Average Monthly Rate |
| Hyundai Elantra | $75 |
| Bmw 535 | $210 |
| Kia Forte | $120 |
| Ford Escape | $70 |
| Honda Civic | $60 |
Average Cost Of Auto Insurance In Lawton – By Zip Code
Your zip code plays a key role in determining local crime rates, and this is why car insurance rates vary by zip code.
Refer to the table below to find the average insurance rates for various zip codes in Lawton.
| City | Average Monthly Rate |
| 73505 | $134 |
| 73503 | $173 |
| 73507 | $1129 |
| 73501 | $123 |
How Much Is Car Insurance In Other Cities in Oklahoma?
Your city’s characteristics can affect your car insurance rates. Insurance companies consider the risk of accidents, theft, and vandalism, which are generally higher in urban areas, often resulting in higher premiums.
Drivers in Oklahoma City typically pay an average of $155 per month for car insurance, while in Duncan, the monthly average is $105.
| City | Average Monthly Rate |
| Muskogee | $120 |
| Ardmore | $125 |
| Edmond | $135 |
| Bartlesville | $108 |
| Enid | $109 |
| Broken Arrow | $151 |
| Oklahoma City | $155 |
| Claremore | $122 |
| Norman | $140 |
| Duncan | $105 |
Our Methodology
By evaluating customer service, product options, pricing, and user reviews, I’ve assembled a detailed report on car insurance providers in Lawton, OK.
Quotes Analyzed
Brands Reviewed
Years Of Experience
Research Hours
FAQs
Who has the lowest car insurance rates in Lawton?
Looking for low-cost insurance in Lawton? State Farm is the most affordable for minimum coverage, while USAA comes in cheapest for full coverage with collision and comprehensive.
What is the average cost of car insurance in Lawton?
Car insurance in Lawton averages about $135 per month, but the rate you pay may vary depending on factors like your zip code, the year and model of your car, and your driving record.
